# 账明白-记账省钱·家庭财务顾问

> AI-powered financial advisor for household expense tracking and savings. (iPhone/iPad app by 孝伟 李.)

- Source: https://appshunter.io/ios/app/id6797517007 (this page in markdown: same URL + `.md`)
- Developer: [孝伟 李](https://appshunter.io/developer/981405429)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.6 · 25 MB
- Languages: American English
- Released: 2026-08-17
- Data updated: 2026-09-02
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/id6797517007/reviews.md

## What is 账明白?

账明白 —— 帮你每月找出能省的那笔钱

  每月工资一到手就没了？打开账明白，把你和家人的支付宝、微信账单
  合并导入，AI 顾问以专业财务顾问的视角帮你做一次彻底的账单体检：
  钱花在哪儿了、哪些可以不花、下个月怎么省。

  【核心功能】
  · 家庭总账：全家人的支付宝、微信账单合并成一本账，统一分析全家收支
  · 一键导入：支持支付宝、微信支付官方账单文件，几分钟完成导入
  · 账单体检报告：支出结构、异常消费、高频商户，一份报告看明白
  · AI 省钱顾问：基于你的真实账单回答问题，给出可执行的省钱建议
  · 截流计划：识别可以砍掉的订阅、冲动消费和隐形支出，制定月度截流计划
  · 趋势对比：多个月账单放在一起，看清消费习惯的变化
  · 账单日历：每天花了多少，一目了然

  【为什么放心】
  · 账单在本机解析，原始文件不上传
  · 发送给 AI 的数据经过脱敏，不含账号、银行卡号、交易单号
  · 明细数据默认不用于分析，只有你明确授权后 AI 才能看到

  【适合谁】
  · 想看清钱花在哪里的你
  · 想统一管理全家账目、看清家庭收支全貌的你
  · 想控制支出、每月多存一点的你
  · 不想手动记账、又想要专业分析的你

  【会员订阅说明】
  账明白可免费使用，Pro 会员解锁全部历史月份、多月趋势对比、AI 顾问完整对话等功能。
  · 连续包月：首月 1 元，次月起 9.9 元/月
  · 连续包年：68 元/年 （创始会员，只需48元/年，后期停售，存量续费价不变 = "续费永久同价"）
  · 订阅周期：1 个月（连续包月）/ 12 个月（连续包年）
  · 付款：确认购买后通过 iTunes 账户扣款
  · 自动续费：订阅到期前 24 小时内自动扣费续期；如需取消，请在到期前 24 小时以上，
    前往 App Store「账户设置-订阅」中关闭自动续费
  · 隐私政策：https://wesou.cc/family-finance/static/privacy.html
  · 用户协议（含自动续费服务规则）：https://wesou.cc/family-finance/static/terms.html

  有任何建议，欢迎在 App 内「我的-意见反馈」告诉我们。

## Key features

- Consolidated family accounts
- One-click import of financial data
- Detailed spending analysis reports
- AI-driven savings recommendations
- Subscription and impulse spending identification
- Monthly spending trend comparison
- Daily expense calendar view

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 连续包月 | $0.99 | per month |
| 连续包年 | $9.99 | per year |
| 创始会员包年 | $6.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 单月购买 | $1.99 | one-time |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/id6797517007/reviews.md

### 5/5 — 终于不用一笔笔记账了

*2026-08-19*

之前下载过鲨鱼记账、随手记，都坚持不过一个礼拜。这个直接导账单文件就行，第一次弄花了十来分钟（主要是找导出入口），之后就是看现成的报告。适合懒人……

### 5/5 — 有惊喜，可以导入多个人多个账单

*2026-08-19*

以为又是一个记账的，结果没有记账按钮，原来这个是可以不用记账直接把支付宝、微信账单导入。真是想不到啊，让我这个平时经常忘记记账的人有懒办法了。
账单分解的很清晰，而且专门把哪些能省下来给指出来了，还有智能分析，赞👍。
还有彩蛋，后来发现我家人的账单也能合起来一起看，对于家庭来说太有用了。

## Frequently asked questions about 账明白

### What is 账明白?

账明白 is a finance app that helps you understand where your money goes, identify potential savings, and manage your household's income and expenses with AI-powered insights.

### How does 账明白 import financial data?

账明白 supports one-click import of official transaction files from Alipay and WeChat Pay, allowing for quick and easy data integration.

### Is my financial data secure with 账明白?

Yes, transaction data is analyzed locally on your device, and data sent to the AI is anonymized, excluding sensitive information like account numbers or transaction IDs.

### What are the benefits of the Pro membership for 账明白?

Pro membership unlocks features like access to all historical months, multi-month trend comparisons, and full AI advisor conversations, enhancing your financial analysis capabilities.

### How much does 账明白 Pro cost?

Subscription options include a continuous monthly plan at 9.9 yuan/month (after a 1 yuan first month) and a continuous annual plan at 68 yuan/year (with a special founding member price of 48 yuan/year).

### Can I cancel my 账明白 subscription?

Yes, you can cancel your subscription by going to your App Store 'Account Settings - Subscriptions' more than 24 hours before your renewal date.

### Does 账明白 have ads?

账明白 is free to use and does not contain advertisements. Premium features are unlocked through a subscription model.

### What devices does 账明白 support?

账明白 is available on iPhone, iPad, and iPod, and is suitable for users aged 4 and above.

## Version history (last 1 release)

### 1.0 — 2026-08-18

No release notes.

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All apps by 孝伟 李: https://appshunter.io/developer/981405429

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*